Peningkatan Literasi Keuangan Dan Pemisahan Aset Pribadi Dengan Aset Usaha Pada UMKM Kec. Sepatan Timur

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a vital pillar of the national economy but continue to face fundamental challenges such as low financial literacy and the absence of asset separation between personal and business finances. This Community Service Program was conducted in Sepatan Timur District to strengthen MSME actors’ understanding of accountable financial management through counseling, interactive discussions, and practical assistance in simple bookkeeping. The results indicate significant improvements in participants’ comprehension of financial literacy, cash flow management, and the urgency of asset separation. Outputs include enhanced financial awareness, educational materials, and motivation to adopt sustainable bookkeeping practices. Dissemination through mass media and scientific journals further amplified the impact. These findings align with existing literature affirming the positive contribution of financial literacy to business sustainability. Thus, this program initiative supports stronger MSME financial governance, improved competitiveness, and sustainable local economic development.